Dodge Journey Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Dodge Journey are $1,336 annually including full coverage. Comprehensive costs an estimated $274, collision costs $474, and liability is estimated at $430. Liability-only insurance costs approximately $486 a year, with high-risk driver insurance costing around $2,888. Teens cost the most to insure at $5,048 a year or more.
Average premium for full coverage: $1,336
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Journey models.
Price Range Variability
For the normal driver, Dodge Journey insurance rates go from as cheap as $486 for a discount liability-only rate to the much higher price of $2,888 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects insurance prices.
The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Dodge Journey insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $775
- Choosing higher $1,000 deductibles can save approximately $170 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,336
- Selecting pricier low deductibles for comp and collision coverage will cost $1,666
- Unlucky drivers with serious driving violations could pay up to $2,888 or more
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,048 each year
Auto insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. Dodge Journey insurance for high-risk drivers ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $500 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,910 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,208 | -$128 | -9.6% |
Alaska | $1,026 | -$310 | -23.2% |
Arizona | $1,110 | -$226 | -16.9% |
Arkansas | $1,336 | -$0 | 0.0% |
California | $1,522 | $186 | 13.9% |
Colorado | $1,276 | -$60 | -4.5% |
Connecticut | $1,374 | $38 | 2.8% |
Delaware | $1,512 | $176 | 13.2% |
Florida | $1,670 | $334 | 25.0% |
Georgia | $1,234 | -$102 | -7.6% |
Hawaii | $958 | -$378 | -28.3% |
Idaho | $904 | -$432 | -32.3% |
Illinois | $996 | -$340 | -25.4% |
Indiana | $1,006 | -$330 | -24.7% |
Iowa | $902 | -$434 | -32.5% |
Kansas | $1,270 | -$66 | -4.9% |
Kentucky | $1,822 | $486 | 36.4% |
Louisiana | $1,978 | $642 | 48.1% |
Maine | $824 | -$512 | -38.3% |
Maryland | $1,102 | -$234 | -17.5% |
Massachusetts | $1,070 | -$266 | -19.9% |
Michigan | $2,322 | $986 | 73.8% |
Minnesota | $1,118 | -$218 | -16.3% |
Mississippi | $1,600 | $264 | 19.8% |
Missouri | $1,186 | -$150 | -11.2% |
Montana | $1,436 | $100 | 7.5% |
Nebraska | $1,054 | -$282 | -21.1% |
Nevada | $1,600 | $264 | 19.8% |
New Hampshire | $964 | -$372 | -27.8% |
New Jersey | $1,494 | $158 | 11.8% |
New Mexico | $1,182 | -$154 | -11.5% |
New York | $1,406 | $70 | 5.2% |
North Carolina | $770 | -$566 | -42.4% |
North Dakota | $1,094 | -$242 | -18.1% |
Ohio | $924 | -$412 | -30.8% |
Oklahoma | $1,372 | $36 | 2.7% |
Oregon | $1,224 | -$112 | -8.4% |
Pennsylvania | $1,276 | -$60 | -4.5% |
Rhode Island | $1,782 | $446 | 33.4% |
South Carolina | $1,210 | -$126 | -9.4% |
South Dakota | $1,128 | -$208 | -15.6% |
Tennessee | $1,170 | -$166 | -12.4% |
Texas | $1,610 | $274 | 20.5% |
Utah | $988 | -$348 | -26.0% |
Vermont | $916 | -$420 | -31.4% |
Virginia | $800 | -$536 | -40.1% |
Washington | $1,034 | -$302 | -22.6% |
West Virginia | $1,224 | -$112 | -8.4% |
Wisconsin | $926 | -$410 | -30.7% |
Wyoming | $1,190 | -$146 | -10.9% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Journey SE 2WD | $1,218 | $102 |
Dodge Journey SXT 2WD | $1,256 | $105 |
Dodge Journey R/T 2WD | $1,336 | $111 |
Dodge Journey SXT Crew 2WD | $1,336 | $111 |
Dodge Journey SXT AWD | $1,336 | $111 |
Dodge Journey R/T AWD | $1,376 | $115 |
Dodge Journey SXT Crew AWD | $1,376 | $115 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Dodge Journey | $274 | $474 | $430 | $1,336 |
2018 Dodge Journey | $250 | $424 | $452 | $1,284 |
2017 Dodge Journey | $240 | $400 | $456 | $1,254 |
2014 Dodge Journey | $206 | $310 | $464 | $1,138 |
2013 Dodge Journey | $202 | $288 | $474 | $1,122 |
2012 Dodge Journey | $186 | $268 | $474 | $1,086 |
2011 Dodge Journey | $182 | $244 | $478 | $1,062 |
2010 Dodge Journey | $170 | $222 | $474 | $1,024 |
2009 Dodge Journey | $160 | $202 | $474 | $994 |
Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Dodge Journey Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,550 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $500 each year
- Youthful drivers are the costliest to insure, with premiums being up to $421 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,048 |
20 | $3,078 |
30 | $1,388 |
40 | $1,336 |
50 | $1,222 |
60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,666 |
$250 | $1,514 |
$500 | $1,336 |
$1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,336 |
50/100 | $1,462 |
100/300 | $1,570 |
250/500 | $1,849 |
100 CSL | $1,505 |
300 CSL | $1,742 |
500 CSL | $1,914 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,184 |
20 | $4,900 |
30 | $2,944 |
40 | $2,888 |
50 | $2,758 |
60 | $2,732 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $71 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $96 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $59 |
Advance Quote | $65 |
Online Quote | $94 |
Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area